Comparing the Top 10 Best Low-Interest Personal Loans of 2025

What Are Low-Interest Personal Loans?

Low-interest personal loans are loans that offer competitive APRs, typically lower than the average rates seen with standard loans or credit cards. These loans are ideal for those looking to borrow a significant amount of money without incurring exorbitant fees. Lenders consider various factors when offering low-interest loans, including credit scores, income levels, and the loan amount. Generally, the better your credit score, the more likely you are to qualify for the best low-interest personal loans available.

Top 10 Best Low-Interest Personal Loans of 2025

Here are the top 10 best low-interest personal loans in 2025, compared based on their loan amounts, APR ranges, repayment terms, and unique benefits.

1. LightStream

LightStream offers some of the best low-interest personal loans available in 2025, with APRs starting as low as 5.99%. It provides loan amounts ranging from $5,000 to $100,000, with repayment terms from 24 to 144 months, making it ideal for both small and large personal loans. There are no origination fees, and its low rates are particularly attractive for borrowers with excellent credit. LightStream also offers flexible terms, allowing you to adjust your loan to fit your budget.

2. SoFi

SoFi provides best low-interest personal loans for borrowers who need substantial funding, offering loans from $5,000 to $100,000 with APRs ranging from 6.99% to 23.43%. With no fees and flexible repayment terms of 36 to 84 months, SoFi stands out for its unemployment protection benefit, which allows you to pause payments if you lose your job. It’s a great option for those seeking both a low interest rate and additional peace of mind.

3. Upstart

Upstart is a great choice for borrowers with less-than-perfect credit who still want to secure a low-interest personal loan. Upstart uses a unique approach to determine loan eligibility by considering factors like education and income, making it accessible to more individuals. Loan amounts range from $1,000 to $50,000, and APRs start at 6.18%. However, there may be an origination fee of 0-8%. Upstart also offers flexible repayment terms of up to 5 years.

4. Marcus by Goldman Sachs

Marcus offers low-interest personal loans ranging from $3,500 to $40,000 with APRs starting at 6.99%. With no fees and fixed-rate loans, Marcus is a strong contender for those who want straightforward terms and low rates. It offers repayment terms of 36 to 72 months, giving borrowers the flexibility to choose a repayment schedule that works for them.

5. Discover

Discover is another well-known lender offering low-interest personal loans with no origination fees. Loan amounts range from $2,500 to $35,000, and APRs range from 6.99% to 24.99%. Discover offers flexible repayment terms of 36 to 84 months, making it an attractive option for those looking for a no-hassle loan experience.

6. Best Egg

Best Egg is known for its fast approval process and competitive interest rates, with APRs starting as low as 5.99%. It offers loan amounts from $2,000 to $50,000, making it a solid choice for consolidating debt. The loan terms range from 3 to 5 years, and the lender charges an origination fee of 0-5%. While the rates are generally higher than those of some competitors, Best Egg provides a quick and easy borrowing experience.

7. Avant

Avant offers loans from $2,000 to $35,000 with APRs ranging from 9.95% to 35.99%. While the rates are higher compared to some other lenders, Avant is an excellent option for those with lower credit scores. Repayment terms range from 24 to 60 months, and Avant also charges late payment fees, making it essential to stay on top of your payments.

8. Rocket Loans

Rocket Loans offers best low-interest personal loans for those who need larger loan amounts. Loan amounts range from $2,000 to $45,000, and APRs start at 5.98%. With a 1% origination fee, Rocket Loans provides a quick funding option, which is great if you need money fast. The repayment terms range from 36 to 60 months, making it a good option for medium-sized loans.

9. LendingClub

LendingClub offers low-interest personal loans through its peer-to-peer lending model. Loan amounts range from $1,000 to $40,000, with APRs ranging from 6.95% to 35.89%. LendingClub charges a 4-6% origination fee and provides loan terms of 36 to 60 months. This lender is a good option for borrowers who prefer to go through a peer-to-peer lending process.

10. Payoff

Payoff is perfect for borrowers looking to consolidate credit card debt, offering best low-interest personal loans with APRs starting at 5.99%. Loan amounts range from $5,000 to $40,000, and repayment terms are flexible, from 24 to 60 months. Payoff charges an origination fee of 0-5%, but it provides excellent customer service and a straightforward loan process.

Conclusion

Finding the best low-interest personal loans in 2025 can help you manage your financial goals while minimizing costs. Whether you need a small loan for an emergency or a larger loan for a major purchase, there are plenty of options to choose from. Lenders like LightStream, SoFi, and Upstart offer competitive rates, flexible terms, and various loan amounts, making it easier for you to find the perfect loan for your needs. As always, make sure to carefully compare the interest rates, fees, and loan terms to ensure you’re making the best financial decision.